FullCircle™ Comprehensive Financial Planning: 5 Stages to Improve Your Financial Health

1179+ Singaporeans have benefitted from our services

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  • Receive personalised advice to suit your specific needs
  • Discover potential financial pitfalls so you can steer clear of them
  • Optimise your portfolio for even greater impact
  • Compare solutions from multiple providers to get the best deal

Let us do the heavy lifting for you so you can focus on what matters most – your career and family.

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What is FullCircle™ all about

There are similarities between what we do as financial planners and medical doctors.

And that’s how FullCircle™ is created.

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By going through the 5 stages, we’re able to uncover financial complications and provide suitable solutions, so that you can be (or remain) financially healthy.

What can you expect

Stage 1: Conducting a Thorough Financial Examination

The most important stage. 

Imagine one day you go to the doctor and this plays out: 

You: “I have a flu.” 
Doctor: “Say no more, you need to do an operation now!”
You: “???” 

You’ll doubt his recommendation.

Without fully understanding your financial situation, how is one going to give you good advice?

Using our PISCIL framework, we’re able to uncover hard facts about your financial standing. This allows us to start a needs-based approach to address your top priorities.

Stage 2: Sharing Diagnosis & Findings

With the information gathered, we’ll be able to provide you a preliminary diagnosis.

There are a few things (not exhaustive) we would touch on:

  • The general health of your cashflow, insurance, savings, and investment portfolio
  • Point out any potential pitfalls to take note of
  • Address any financial goals and objectives you have

Stage 3: Providing Recommendations & Alternative Treatments

With a clearer picture, we’ll then be able to zoom into specific areas of interest.

Areas we may cover:

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But it doesn’t end there.

We don’t just work with one partner, we work with many.

Here’s the list of partners we work with:

  • AIA
  • Aviva
  • Friends Provident
  • China Life
  • Generali Worldwide
  • China Taiping
  • NTUC Income
  • Manulife
  • LIC
  • Old Mutual
  • Swiss Life
  • HSBC Life
  • AXA
  • Tokio Marine
  • Singlife
  • Transamerica
  • Etiqa
  • FWD

How does this benefit you?

We’re not tied to one provider and would be able to give you unbiased feedback.

We’re able to compare products across the board so you don’t need to approach individual companies, helping you save precious time and money.

We go further by understanding the details of each product on a deeper level, so we’re able to share on the strengths and shortcomings of each plan.

And we provide the information in a simple and easy-to-understand way, while not compromising on the details.

insurance comparison

Bottom line: We’re able to propose the best solution based on your needs. 

Stage 4: Performing Financial Surgery(s)

After we’ve narrowed down the best options, you decide whether you want to move ahead with the recommendations.

Be it a small bandage or a complex operation, only with your acknowledgement will we then proceed to transform your plans into a reality.

Stage 5: Regular Checkups

Even after the surgeries, monitoring and follow-up treatment are still needed.

This is because your financial situation changes over time. Your career, commitments, and financial objectives will not stay the same.

Therefore, we’ll constantly review all these to ensure that everything is on track. If adjustments are needed, we’ll let you know.

What Singaporeans are saying

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Frequently Asked Questions

Is the FullCircle™ Comprehensive Financial Planning service free? 

Yes, there’s no fee involved.

How long does the appointment take?

It typically takes around 45 minutes. However, it can be longer for more complex situations or if you have further questions.

Are there any obligations?

Depending on your situation, we may or may not recommend solutions. If we do, it’s entirely up to you to go ahead with it. As consumers ourselves, we dislike high-pressure tactics.

Should I bring my existing policies?

Yes! If you do have them, do bring them along (or a policy summary) as we can provide more accurate feedback.

Take the first step, improve your financial health now.